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How do I work out the interst?
how do i work out the interest charged for a £8,000 loan at 6.5% APR over 5 years ?
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Loan for 19yr old Student
Hi all, I'm currently looking for a loan to fund a car which will be my form of transport for getting me to and from Uni this September onwards. I decided against living at Uni since it was only a 15min drive away and would have cost me £75 a week to do so, which meant it would actually be a lot cheaper for me to just get…
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Credit Report Query
I thought I would check my credit report and score with Equifax. I guess banks use different credit reports because I applied for a loan about 2 months ago and it is not appearing on my report. It says I have 2 searches back in March
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Reclaiming PPI from Welcome Finance
I was reading about claiming back mis-sold PPI on here and was horrified - I remember being told at the time of the loan that if I did not tick the box for payment protection I would not get the money. I thought I would call Welcome First to see what they said. I was shocked! They said well no problems we can cancel your…
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Central Capital secured loan early repayment.
I applied for secured loan of 16k over 20 years with central capital. Asked the guy on the phone if I was going to get done over if I tried to repay early, say in 3 or 4 years time? he said. "No were quite good here, all you have to pay is 2 months interest + £117.50" I was quite pleased so went ahead and get him to send…
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What type of loan?
Having recently moved into a new house for which I have a fairly small mortgage, I found myself spending extra on items I hadn't budgeted for which I have put on my three credit cards. The total outstanding on the cards is now around £7000. The minimum monthly payment is in total around £120 per month. I would like to…
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Loans for new businesses
I am really wanting to open a new business - but it's a franchised business, how would I go about getting a loan to put the money upfront? What kind of things would they be looking for? I'm 23 and don't have any qualifications in business. Any help/advice would be much a appreciated :o
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Overpayment not allowed... are you kidding me!!
Hi my boyf cant afford to pay the total settlement amount at ths time for his loan £14000 (12000 to settle now) we have asked in writing whether overpayments can be made when financiallypossible but they have said no!!!! :mad: They dont want him to help himself!!! They should be rewarding this attitude!!! We want to get…
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Making an offer to Welcome Finance
Hi Everyone, My husband and I have applied for a loan to pay off our welcome loan as it is a much better interest rate and we would have some money left over at the end. We have written to welcome to request a final settlement figure which we recieved yesterday. We borrowed 10k,(3 years ago) we were aware the balance on…
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Car loans/Finance for people with bad credit
Deleted. User left Forum
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Free Money From Loans??
Just run a few figures after seeing that new Firstplus loans advert on TV with the extremely dull Ms vorderman offering £500 cashback after 3 payments have been made on the loan. This got me wondering if I could actually MAKE money by taking the loan and repaying after 4 months. It seems after reading the small print (if…
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Asking parents to help out
As some of you may have seen, we're struggling to sort our finances out. We have lots of debt, excellent credit ratings, but cannot get loans because all of my income is from maintenance, contract work and a little from a permanent part-time job. So on paper, it doesn't look as though our income is as good as it is. My…
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URGENT- paying off car finance early
Once you have signed a finance agreement with a car company do you have a cancellation period? Can I take the car today but pay the full amount (from a cheaper loan) within 28 days?? It's with Peugeot if that makes any difference?!
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When you refinance a previous loan
Hi All Question; I have an exsiting loan with RBS i have added more to it, do they charge you interest on the whole amount again or should it be on the amount you want to up it by? Eg, exsisting loan £4500 (including interest) wanted to add £750 on so should they charge me interest for £5250?or just the £750? I am quite…
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Getting Out Of A Joint Loan Agreement
hI Can anyone help I am a gaurantor for my ex partner on a loan, we separated over a year ago she has always paid the loan no problems, she is now having difficulty in paying how do I get my name off the agreement. The loan company says there is nothing I can do? can anyone give me advice. Thanks
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Hfc Ppi
I have complained the the FOS about HFC wanting me to take out a new loan which would double my monthly payments if i wanted to cancel my PPI. I've rang the FOS today who have told me that HFC failed to respond to their letters and that the complaint is now going to an adjudicator. What is the likely outcome now. All i…
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paying off loan
i am in the process of trying to pay off a large loan which we took out last year and the company picture are asking for the full payment of the ppi which adds 10,000 to my loans anyone have any ideas how i can reduce this amount that i have to pay them back
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Eskimo Loans, reputation?
Hi, I am looking into taking out a loan (unsecured) for £7k. I applied to 2 banks 2 months ago and got refused. I do have a good credit report and rating though. I found the details on the website about Eskimo but i've never heard of them. Does anyone have any experience with them or know what they're like? I would value…
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PPI payments - First Plus loan
I took out a loan with First Plus a few years ago for 25k and only had it running for about 12 months, i was desperate and knew i had money coming to me from a marital split. Once i had the money owed to me from the sale of my house i used some of it to pay First Plus back and ended up paying 30k because of the PPI…
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Money owed - can I add interest & court costs ?
We helped a family member out who relocated from overseas in 2003 by paying for his airfare. We were quite generous in that we were happy for him to pay the money back when he was able to afford it. After a lot of chasing on our part we have recovered 80% of the money which was paid back last year. However the last cheque…